Munster, IN · Cert 29367
FDIC
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | 0.21% | 0.36% | 0.40% | 0.45% | 0.56% | 0.36% | 0.42% | +2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.77% | 3.66% | 4.27% | n/a | |
| Net Interest Margin | n/a | 3.14% | 3.14% | 3.24% | 3.21% | 2.93% | 2.94% | 2.98% | -26 bps | |
| Efficiency Ratio | n/a | 88.55% | 81.87% | 79.52% | 78.85% | 76.91% | 81.72% | 81.81% | +229 bps | |
| Non-Interest Burden | n/a | 2.68% | 2.42% | 2.40% | 2.34% | 2.02% | 2.25% | 2.28% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 2.24% | 0.31% | -4.33% | -1.00% | -2.02% | -0.04% | -0.07% | +426 bps | |
| Loan Growth (YoY) | -2.14% | 0.06% | -0.94% | -0.49% | -0.94% | -6.00% | -7.33% | -8.05% | -756 bps | |
| Deposit Growth (YoY) | 3.34% | 2.40% | 0.18% | -3.79% | -1.40% | -3.14% | -0.68% | -0.57% | +322 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 0.96% | 0.72% | 0.65% | 0.64% | 0.40% | 0.34% | 0.65% | 0 bps | |
| Allowance / Loans | n/a | 1.66% | 1.69% | n/a | n/a | 1.81% | 1.91% | 1.91% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 13.23% | 13.35% | 13.82% | 14.06% | 14.86% | 15.31% | 16.13% | +231 bps | |
| Equity / Assets | n/a | 8.75% | 9.14% | n/a | n/a | 9.80% | 9.83% | 9.99% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.92% | 69.82% | 73.20% | 73.58% | 71.25% | 67.75% | 68.30% | 68.05% | -553 bps | |
| Liquid Assets / Assets | 0.00% | 9.02% | 5.80% | 1.21% | 1.36% | 12.97% | 12.89% | 13.75% | +1,254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |